Larchmont, NY
How exposed is Larchmont to wildfire?
Larchmont sits at the 26th percentile nationally for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — per USFS's Wildfire Risk to Communities model, built from its 1,959 counted buildings, not vegetation cover alone. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Larchmont at the 29th percentile, close to its 26th-percentile risk score.
What "at risk" means for the buildings here
Most of Larchmont's buildings (79.8% of 1,959) fall outside USFS's Direct and Indirect zones entirely — that doesn't zero out the score above, it means the risk is regional, not structure-by-structure.
Larchmont against the rest of the country
Compare Larchmont's two percentiles: 54th within New York, only 26th nationally — a gap of 28 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Larchmont ranks 23,330 for wildfire risk (1 is highest) and 7,592 by building count (1 is largest). Within New York alone, it ranks 588 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
Larchmont and the insurance market
Larchmont's moderate rating (26th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
What would actually reduce this score
With 79.8% of buildings rated Minimal exposure, Larchmont gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
Where Larchmont's figures come from
Every one of the two percentiles behind Larchmont's 23,330-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. The exposure-zones guide covers what Larchmont's dominant minimal exposure actually means, with real examples from across the dataset.